Compare Travel insurance

For us, as for many, the greatest value in choosing travel insurance is the welcoming and knowledgeable customer support. Of course, it is very important to evaluate the coverage of the offered insurance risks so that it corresponds to the planned activities. These values may differ for everyone, but we think these are the two main things to look for when choosing one policy or another. It is important to remember that the insurance terms will not be the same for all companies and the exceptions (in which the indemnity may be refused) may differ, so we recommend that you read the terms or information document before purchasing the policy to avoid misunderstandings and unpleasant situations.

The best travel insurance is the one that best fits your trip. You can buy the most expensive one possible policy, but it may still not include activities specific to your trip, such as one of extreme sports or rental car excess insurance. That's why we recommend always first make sure the travel insurance you choose fits everything you plan to do on your trip.

If your the credit card already includes travel insurance, so check that its coverage (and terms) are appropriate for the specific trip, even if one of your travel companions has already bought a travel policy for everyone participants, then make sure that your activities coincide with the trip, and also check any other risks are included in the policy. You don't have to be an insurance specialist to familiarize yourself with the contents of the policy and call to your insurer, so that the representative will explain to you whether the specific policy will be fully suitable for your trip. We have already mentioned that, in our opinion, the quality of the customer support center is one of the most important factors in purchasing travel insurance, so this proactive call on your part will be a good way to go about this make sure and evaluate the customer support competence of the particular insurer and the willingness to help you.

Travel insurance is a type of insurance that provides the insured person with reimbursement of financial expenses incurred losses in various cases that may occur during the trip or before the trip. Including, but not limited to - medical expenses, damage or theft of luggage or other personal belongings, trip interruption, dental expenses, liability insurance or legal services.

In Latvia and also when buying insurance from companies abroad, various types of insurance are available, for example the simplest of them is a leisure travel policy, but other types are winter sports (skiing, snowboarding) or other types of active leisure travel policies, foreign study or work policies, insurance for obtaining a visa.

For each of them, as well as for each insurer, the proposed travel goals and policy programs and their inclusions the risks will differ, so it is important to evaluate the offers of all insurers so that you can buy yours the most suitable insurance for the trip without paying for what you do not need to include in the policy.

Yes, usually travel insurance compensates for both trip cancellation (cancellation) and interruption, if occurred before the start of the trip due to unforeseen circumstances beyond your control, including personal ones reasons, for example, you have lost your job due to downsizing in the company, or in cases where, for example, it has been canceled concert or other event for which you had planned this trip.

Almost all Latvian insurers offer to buy Covid-19 insurance in addition to travel insurance. What is included in this additional coverage is different for each insurer. Not only do the risks included in the coverage differ, but also the amounts paid for each specific risk at the time of its occurrence. The most popular risks that are insured with Covid coverage:

• Medical expenses
• Medical transport expenses
• Trip interruption and cancellation
• Repatriation expenses
• Travel expenses for one family member

It should be noted that no travel insurance covers the cost of taking the Covid test.

Short-term travel - no longer than 45 consecutive days. Standard short-term travel insurance policies usually cost from around 1 EUR for each of travel day. In recent years, some insurers have lowered the prices of standard travel policies, and one day of insured travel can cost from 0.50 EUR. The price of the policy will be more expensive depending on the selected program and destination.

Long-term (or Annual) - is longer than 45 days, but not longer than 365 consecutive days. The following is usually used type of travel policy used for studying or working abroad, and it is also a very convenient solution, when you know you will travel several times a year. In such cases, long-term policies are a much more cost-effective option as repeatedly buy a short-term policy. Standard annual travel policies usually cost from 0.10 EUR per trip day. The price of long-term policies also depends on the chosen program, the nature of the trip, the planned activities and the destination.

The price of travel insurance is influenced by the information provided by you about the planned activities, duration, territory, purpose (enjoying a lazy holiday, active recreation, studies or work abroad) and the chosen risks against which you want to insure. For shorter trips, where you will not engage in any extreme sports and you will reach the destination by land transport, the policy will be much cheaper than, for example, flying to the Alps and taking your own spot equipment with you. Always choose an insurance policy that is appropriate for your planned activities and destination, because then you will be sure that you will receive help from your insurer when it is needed.

No, the printout of the policy does not have to be with you to take advantage of it. An electronic printout of the policy (stored on the phone or e-mail) is as valid as a paper policy. Remember that you can always call your insurer on their 24-hour information phone and the specialists will tell you how to act in any situation, so that you do not lose the opportunity to be reimbursed for unforeseen costs incurred during the trip.

Our website is the only one that updates all information about travel and other insurance products every week. This page compares the travel insurance programs offered by all major Latvian insurers, their limits, additional coverage, current discounts and other important information about policy purchase. To easily compare what is available on the market and choose the most suitable for you at the best price, use a travel insurance calculator.

The main criterion for purchasing a policy should not be its price, but the risks involved and their relevance to your trip. If you are going on a business trip, then you probably do not need an Active Leisure policy and the risks included in it, which would be necessary when going on a trip where you plan to engage in some extreme sports, such as diving. This will save you money on your policy. However, if you are planning to go on a trip that will engage in one of the winter sports or other active recreation activities, then make sure that your policy will cover the expenses that will be incurred in case of injury from sports.

Data provided by insurers on the most frequent occurrences with their customers during the trip show that accidents occur and occur frequently. Minor injuries, broken bones or sudden illnesses can cost the traveler more than it might seem at first. The most expensive have to pay for medical transport in mountain resorts, when the only way out for the person and the way to get to a specialist care is by helicopter transport, which can cost several tens of thousands of euros.

The prices of standard policies are relatively low, the policy can cost around 1 EUR per day, so comparing it with the potential risk and potential losses, the purchase of the policy seems the most important, of course, is to buy a policy that suits your trip and do not overpay.